This educational guide covers broad benchmark ranges for freelancer and independent contractor insurance in 2026, compiled from publicly available market data. Actual prices vary with underwriting, limits, and policy terms.
Freelance writers: roughly $20-40/month. Web developers and designers: roughly $25-50/month. Consultants: roughly $30-60/month. Handymen and contractors: roughly $70-130/month.
Unsubsidized mid-tier marketplace plans commonly benchmark around $350-450/month for an individual, varying significantly by state, age, and eligibility for subsidies. See HealthCare.gov for personalized figures.